// CHARGEBACK MANAGEMENT

Stop chargebacks
at the source.

Alerts intercept disputes before they hit your acquirer. Representment fights the ones that get through. RDR refunds the ones not worth fighting.

DISPUTE PIPELINE · 95% RECOVERED
ROLLING 30 DAYS
01 · ALERTS~60 of 100
Caught by Verifi · EthocaRESOLVED PRE-CHARGEBACK
02 · REPRESENTMENT~25 of 40
Won via compendium evidenceREVERSED AT THE BANK
03 · RDR~10 of 15
Auto-refunded · Visa RDRNEVER A CHARGEBACK
UNRECOVERABLE~5 of 100
// THE TRUE COST

How much are chargebacks actually costing you?

Most merchants undercount. Drop in your numbers — we'll add the fees, admin time, and shipped goods most calculators miss.

// INPUT · CHARGEBACKS / MONTH50
11,000
// INPUT · AVG TRANSACTION VALUE$120
$10$500

Adds the costs most calculators miss: $25 per-CB fees, ~1.5× admin overhead, and ~30% of the original goods value as shipping + fulfillment loss on physical-product merchants.

// ANNUAL CHARGEBACK COST
$131,100per year, at current volume
Revenue lost$72,000
Chargeback fees · 600 × $25$15,000
Admin + processing time$22,500
Goods + shipping (physical)$21,600
Start reducing my chargebacks
// THE DISPUTE FUNNEL

Catch them early. Fight them well. Refund the rest.

Three filters in series — each catching what the previous one didn't. By the time a dispute reaches your chargeback ratio, only the unrecoverable ones get through.

ENTRY100incoming
Disputes initiated by cardholders

Every customer dispute starts here — whether friendly fraud, didn't-recognize, or genuine issue.

01 · ALERTS~60resolved pre-chargeback
Caught by Verifi · Ethoca alerts

Network alerts fire before the dispute reaches your acquirer. Refund or contact the buyer — the chargeback is never recorded.

02 · REPRESENTMENT~25reversed at the bank
Won via compendium evidence

For disputes that did file, our team assembles the compendium pack (AVS, CVV, 3DS, tracking, T&Cs) and re-presents within network deadlines.

03 · RDR~10never become chargebacks
Auto-refunded via Visa RDR

Visa's network-level resolution refunds at-risk transactions before they convert. Works even past Visa's monitoring threshold.

LOSS~5hit your ratio
Unrecoverable chargebacks

What's left after three filters: cases where the customer is right, the evidence is missing, or the issuer rules against.

95% recoveredIllustrative example. Per-merchant catch rates vary with vertical, baseline ratio, and alert subscription.
// VERTICALS WE KNOW

Built for merchants the high-street processors flag as "risky."

Specialty verticals carry chargeback risk most processors don't know how to underwrite. We do.

Subscription & ContinuityNutraceuticalsTelehealthCBDAdult & DatingDirect MarketingAuto PartsGamingMembership & Wellness
// LOWER YOUR RATIO

Get your chargeback ratio under control.

Whether you're already in breach of network thresholds or trying to stay below them, the same three filters apply. Talk to underwriting and we'll scope which layers you need.